Missouri Court of Appeals, Western District / Mar 8, 2022
Philip Brewer and Lori Brewer vs. State Farm Fire and Casualty Company
Philip and Lori Brewer filed an insurance claim with State Farm for property damage to their home. When the parties disagreed on the scope of covered repairs, the Brewers sought to invoke the policy's appraisal provision and moved the circuit court to appoint an umpire. The appellate court reversed the circuit court's order, holding that the dispute concerned the scope of coverage, not merely the amount of loss, and therefore the appraisal provision was inapplicable. The court vacated the judgment and dismissed the petition for umpire appointment without prejudice.